Which of the following statements about equity indexed life insurance is true?
a. the policyowner can decide which separate accounts to invest the policy's cash values into
b. the insured/owner bears all risk regarding cash surrender value, as negative stock market performance can cause the cash values to decrease
c. the interest credited to the policy is based off of the performance of a stock market index like the s& p 500
d. to sell equity indexed life, a producer only needs a securities license

Afull irb committee meeting is convened and one agenda item is a new research proposal to evaluate how mothers interact with their learning-disabled child. the inclusion criteria require the children to be a minimum of five years of age. the protocol requires the mother of the child to look at the child without any expression and not to talk to the child for three minutes. the committee determined that the mother's required task may upset the child. the irb approved the study with appropriate language in the parental permission form regarding the possibility that children might become upset. after the start of the study, the principal investigator reports to the irb that, as expected, one of the children became upset. the incident was handled according to the protocol and the child is fine. what should the irb do with regard to this report?

Asociologist wants to study a culture that occurs in some women’s prisons: “state families,” in which individual prisoners take on certain roles within a group of like-minded prisoners. there is previous evidence that younger prisoners will use older inmates who play the roles of grandparents as a resource before they will turn to staff for and advice. the lieutenant in charge of a dorm of long-term prisoners offers to gather volunteers to speak to the researcher and also offers to vouch for the integrity of the researcher. the use of this staff is: a valid use of a statistical technique referred to “snowball sampling” wherein the inclusion of the first subject leads to the recruitment of another one subject. a useful tactic in obtaining a sample of prisoners who both meet the criteria and who will be honest with the researcher. wrong and is prohibited; subject selection needs to be free from intervention by prison authorities or prisoners. acceptable only when the researcher’s irb grants a special waiver.

The biggest component / ingredient of summer time smog is